@ermahlerd ermahlerd

ermahlerd posts on Reddit about mortgage rate, rates, inflation, fed the most. They currently have [------] followers and [---] posts still getting attention that total [--] engagements in the last [--] hours.

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Social Influence

Social category influence finance stocks countries exchanges nfl

Social topic influence mortgage rate #166, rates, inflation, fed #1600, tariffs, has been, stocks, insurance, credit union, loan

Top assets mentioned Chipotle Mexican Grill, Inc. (CMG) Bank of America (BAC)

Top Social Posts

Top posts by engagements in the last [--] hours

"Mortgage Rates have been quiet. will the Fed wake them up HomeLoans HomeLoans"
Reddit Link 2025-12-05T22:08Z [--] followers, [--] engagements

"Mortgage Rates' Holiday Break Ends With Next Week's Economic Data Even as most of the world has spent the past two days thinking or saying "I can't believe it's [----] already" mortgage rates won't get back from vacation until next week. They managed to make it through the entire holiday season without any major drama. That was in sharp contrast to the preceding month which saw a decent drop heading into early December and a sharp spike that accelerated after the Fed's rate cut on the 18th. This sort of indecision isn't necessarily a given for the end of December but it's certainly the"
Reddit Link 2025-01-03T23:19Z 75.2K followers, [--] engagements

"Highest Mortgage Rates in [--] Months After Upbeat Jobs Report Mortgage rates weren't having a great week in the first place. As of Wednesday the average lender was already up to the highest levels since June [----]. But up until that point there hadn't been too much volatility. The rising rate trend kicked into higher gear after Friday morning's jobs report. Officially known as The Employment Situation the jobs report is the most comprehensive monthly update on the state of the labor market in the U.S. It's also the economic report that has the greatest potential to cause volatility for interest"
Reddit Link 2025-01-10T23:52Z 75.2K followers, [--] engagements

"Despite the Headlines Rates Stay Surprisingly Calm With all the recent news youd expect more market volatility but rates are holding steady driven mostly by economic data rather than headlines like tariffs. This weeks jobs report showed slightly weaker job creation but the unemployment rate dropped despite an increasing labor forcean unusual and upbeat sign. This has calmed fears of a recession sparked by rising unemployment last year. While inflation progress has helped rates move lower in recent weeks this jobs report suggests rates might level off for now. Traders remain focused on"
Reddit Link 2025-02-08T11:54Z 75.2K followers, [--] engagements

"What Are Discount Points and Are They Worth It If youve been shopping for a mortgage youve probably seen the term discount points thrown around. But what exactly are they Discount points = prepaid interest (tax deductible). You pay upfront to get a lower interest rate over the life of the loan. Each point costs 1% of the loan amount and the amount it decreases your rate can vary. Are they worth it ✔ If youre planning to stay in the home long-term buying points can save you money over time. ❌ If youre selling or refinancing soon you might not break even on the upfront cost."
Reddit Link 2025-02-17T15:53Z 75.1K followers, [--] engagements

"What Is PMI and How Can You Avoid It If youre putting less than 20% down on a conventional loan youll likely need Private Mortgage Insurance (PMI). What is it PMI is an extra fee added to your mortgage payment to protect the lender in case you default. It does NOT benefit you directly but without it lenders would require everyone to put at least 20% down to buy a home. PMI makes homeownership more accessible by allowing lower down payments. How much does it cost PMI typically costs 0.2% 1.5% of your loan amount per year depending on your credit score down payment and loan type. How can you"
Reddit Link 2025-02-18T18:33Z 75.1K followers, [--] engagements

"What Is Loan-to-Value (LTV) and Why Does It Matter Loan-to-Value (LTV) is a key factor in mortgage lending that compares your loan amount to your homes value. Lenders use it to assess risk and determine things like PMI interest rates and loan approval. How is LTV calculated LTV = (Loan Amount Home Value) [---] For example if youre buying a $300000 home with a $30000 down payment your loan amount is $270000 making your LTV: ($270000 $300000) [---] = 90% LTV Why does LTV matter ✔ 80% or lower No PMI required on conventional loans ✔ Higher LTV = Higher Risk Lenders may charge higher rates for higher"
Reddit Link 2025-02-20T20:46Z 75.2K followers, [--] engagements

"What Is Debt-to-Income (DTI) Ratio and Why Does It Matter Debt-to-Income (DTI) ratio is one of the biggest factors lenders consider when approving a mortgage. It measures how much of your gross monthly income goes toward debt payments. How is DTI calculated DTI = (Total Monthly Debt Payments Gross Monthly Income) [---] For example if you make $6000 per month and have $2000 in monthly debt payments (including your future mortgage car loan credit cards etc.) your DTI is: ($2000 $6000) [---] = 33% DTI Why does DTI matter ✔ Lower DTI = Easier approval + better conventional PMI rates ✔ Most programs"
Reddit Link 2025-02-21T12:22Z 75.2K followers, [--] engagements

"How Does a No Closing Cost Refinance Actually Work Youve probably seen/heard ads for no closing cost refinances but what does that really mean Spoiler: It doesnt mean the fees disappearit just means youre paying for them in a different way. How Do Lenders Cover Closing Costs Instead of paying out of pocket the lender covers your closing costs by: ✔ Rolling them into the loan balance You finance the costs which slightly increases your loan amount. ✔ Offering a higher interest rate The lender gives you a slightly higher rate in exchange for lender credits that cover your costs. Pros & Cons ✅ No"
Reddit Link 2025-02-22T18:37Z 75.1K followers, [--] engagements

"Custom Loan Terms: Breaking Free from the Standard 30/25/20/15/10-Year Mortgage Most people think mortgages only come in the typical [--] [--] or 15-year terms but thats not always the case. Custom loan terms allow you to pick a specific term lengthwhether its [--] years [--] years or even something more precise like [--] years and [--] monthsgiving you more flexibility when buying or refinancing. Why Consider a Custom Loan Term ✔ Refinancing Without Restarting the Clock If youve already paid down [--] years on a 30-year loan refinancing into a new 30-year means adding those years back. A custom term lets you"
Reddit Link 2025-02-25T01:42Z 75.1K followers, [--] engagements

"How to Stop Mortgage Lenders from Blowing Up Your Phone After a Credit Pull If you recently had your credit pulled for a mortgage you might be getting bombarded with calls from random lenders. Why Because the credit bureaus sell your info as a trigger lead to other lenders who want to compete for your business. How to Make It Stop: Go to OptOutPrescreen.com This is the official site to remove yourself from these marketing lists. You can opt out for [--] years online or permanently by mail. It only takes a few minutes and it works for mortgage offers credit cards and other pre-screened credit"
Reddit Link 2025-02-25T18:04Z 75.2K followers, [--] engagements

"Large Principal Reduction Payments & Mortgage Recasting How They Work and Why They Matter If you come into a lump sum of cashwhether from a bonus inheritance or selling another propertyyou might consider making a large principal reduction payment on your mortgage. This means applying a big payment directly to your loan balance which can offer some key benefits: Benefits of a Large Principal Reduction Payment: Lower Interest Costs Since interest is calculated on your remaining balance paying down principal reduces the total interest youll pay over the life of the loan. Build Equity Faster The"
Reddit Link 2025-02-26T23:12Z 75.2K followers, [--] engagements

"Mortgage Rates Flat This Week But Big Changes Could Be Coming u/ermahlerd u/ermahlerd"
Reddit Link 2025-07-25T20:55Z [--] followers, [--] engagements

"Mortgage Market Update Aug [--] HomeLoans HomeLoans"
Reddit Link 2025-08-18T15:32Z [--] followers, [--] engagements

"Mortgage Market Update Aug [----] HomeLoans HomeLoans"
Reddit Link 2025-08-21T16:16Z [--] followers, [--] engagements

"Mortgage Rate Update - Sept [--] HomeLoans HomeLoans"
Reddit Link 2025-09-02T21:14Z [--] followers, [--] engagements

"Feds Rate Cut Is Coming but Mortgage Rates Already Moved HomeLoans HomeLoans"
Reddit Link 2025-09-13T02:04Z [--] followers, [---] engagements

"Rates Surge Higher After Fed Cuts 0.25% HomeLoans HomeLoans"
Reddit Link 2025-09-18T00:43Z [--] followers, [--] engagements

"Mortgage Rates Jumped After the Fed Cut Rates. Heres Why Thats Not Crazy HomeLoans HomeLoans"
Reddit Link 2025-09-19T22:17Z [--] followers, [---] engagements

"Next Weeks Shutdown Could Impact Mortgage Rates HomeLoans HomeLoans"
Reddit Link 2025-09-27T21:23Z [--] followers, [--] engagements

"Mortgage Rates: Small Win This Week But Big Data Still Missing HomeLoans HomeLoans"
Reddit Link 2025-10-05T03:57Z [--] followers, [--] engagements

"Mortgage Rates Are Still Looking Good Oct [--] [----] HomeLoans HomeLoans"
Reddit Link 2025-10-09T18:05Z [--] followers, [--] engagements

"Mortgage Rate Quote Megathread HomeLoans HomeLoans"
Reddit Link 2025-10-11T01:01Z [--] followers, [---] engagements

"Mortgage Rates Dip After Tariff News to the Lowest Since "Fed Day" HomeLoans HomeLoans"
Reddit Link 2025-10-11T01:28Z [--] followers, [--] engagements

"Mortgage Rates Just Dropped Again. But Why HomeLoans HomeLoans"
Reddit Link 2025-10-15T21:33Z [--] followers, [--] engagements

"Mortgage Rates Just Tied Their Lowest Point of the Year HomeLoans HomeLoans"
Reddit Link 2025-10-16T22:03Z [--] followers, [--] engagements

"Mortgage Rates Are Near 3-Year Lows and Heres Whats Driving It HomeLoans HomeLoans"
Reddit Link 2025-10-17T22:13Z [--] followers, [---] engagements

"Feds cutting rates next week but dont expect mortgage rates to follow HomeLoans HomeLoans"
Reddit Link 2025-10-24T21:45Z [--] followers, [--] engagements

"How much house can you actually afford HomeLoans HomeLoans"
Reddit Link 2025-10-28T16:41Z [--] followers, [--] engagements

"Mortgage rates moved higher. after the Fed cut rates. Yes really. Mortgage Mortgage"
Reddit Link 2025-11-01T22:45Z [--] followers, [--] engagements

"Today Mortgage Rates Got Volatile: Two Reports One Ugly Day for Bonds HomeLoans HomeLoans"
Reddit Link 2025-11-06T01:06Z [--] followers, [--] engagements

"Today Mortgage Rates Got Volatile: Two Reports One Ugly Day for Bonds Mortgage Mortgage"
Reddit Link 2025-11-06T13:52Z [--] followers, [--] engagements

"Rates got rocked this week. but not for the usual reasons HomeLoans HomeLoans"
Reddit Link 2025-11-08T02:04Z [--] followers, [--] engagements

"The math behind Trumps 50-year mortgage idea HomeLoans HomeLoans"
Reddit Link 2025-11-12T00:22Z [--] followers, [---] engagements

"Mortgage Rates Hit 2-Month Highs Govt Reopens 50yr Mortgages HomeLoans HomeLoans"
Reddit Link 2025-11-14T22:30Z [--] followers, [--] engagements

"Mortgage Rate Update for November [--] [----] HomeLoans HomeLoans"
Reddit Link 2025-11-19T16:53Z [--] followers, [--] engagements

"30-year mortgage rates at 6.24% what are your thoughts on this rise Mortgage Mortgage"
Reddit Link 2025-11-20T15:19Z [--] followers, [--] engagements

"Jobs Report + Stock Losses = Rates Still Stuck in the Same Range Mortgage Mortgage"
Reddit Link 2025-11-29T19:24Z [--] followers, [--] engagements

"Mortgage Rates Today November [--] [----] Mortgage Mortgage"
Reddit Link 2025-11-23T03:58Z [--] followers, [--] engagements

"Fannie Mae economists: Most of the mortgage rate relief is already behind us RedditMortgage RedditMortgage"
Reddit Link 2025-11-26T11:54Z [--] followers, [--] engagements

"Mortgage Rates: Key Economic Data Canceled After Shutdown HomeLoans HomeLoans"
Reddit Link 2025-11-26T14:21Z [--] followers, [--] engagements

"Mortgage Rates: Key Economic Data Canceled After Shutdown RedditMortgage RedditMortgage"
Reddit Link 2025-11-26T14:31Z [--] followers, [--] engagements

"Current refi mortgage rates report for November [--] [----] Fortune Mortgage Mortgage"
Reddit Link 2025-11-26T15:01Z [--] followers, [--] engagements

"Mortgage Rates: Key Economic Data Canceled After Shutdown Mortgage Mortgage"
Reddit Link 2025-11-26T14:31Z [--] followers, [--] engagements

"What's the mortgage interest rate forecast for November [----] Mortgage Mortgage"
Reddit Link 2025-11-28T17:05Z [--] followers, [--] engagements

"With mortgage rates declining should you refinance Mortgage Mortgage"
Reddit Link 2025-11-30T18:16Z [--] followers, [--] engagements

"Mortgage Rates Today: February [--] [----] Rates Remain Fairly Steady Mortgage Mortgage"
Reddit Link 2025-12-03T17:59Z [--] followers, [--] engagements

"This California Housing Market Plummeted in Value Over the Past Decade Plus [--] That Dropped Over [--] Years Mortgage Mortgage"
Reddit Link 2025-12-04T22:46Z [--] followers, [--] engagements

"Current Mortgage Rates - Whats Everyone Getting (No Points) RedditMortgage RedditMortgage"
Reddit Link 2025-12-06T01:15Z [--] followers, [--] engagements

"Current Mortgage Rates - Whats Everyone Getting (No Points) Mortgage Mortgage"
Reddit Link 2025-12-06T01:15Z [--] followers, [--] engagements

"Current Mortgage Rates - Whats Everyone Getting (No Points) HomeLoans HomeLoans"
Reddit Link 2025-12-06T01:15Z [--] followers, [--] engagements

"Are we out of our mind HomeLoans HomeLoans"
Reddit Link 2025-12-06T00:49Z [--] followers, [--] engagements

"Mortgage Rates have been quiet. will the Fed wake them up Mortgage Mortgage"
Reddit Link 2025-12-06T01:15Z [--] followers, [--] engagements

"Mortgage Rates have been quiet. will the Fed wake them up RedditMortgageRates RedditMortgageRates"
Reddit Link 2025-12-06T01:15Z [--] followers, [--] engagements

"REVEALED: Top places Americans are fleeing from - and California isn't one of them Mortgage Mortgage"
Reddit Link 2025-12-10T12:13Z [--] followers, [--] engagements

"Quick thought on mortgage rate float-downs HomeLoans HomeLoans"
Reddit Link 2025-12-11T16:57Z [--] followers, [--] engagements

"But.but.muh realtor said getting up on that housing ladder was the key to building wealth Mortgage Mortgage"
Reddit Link 2025-12-13T16:43Z [--] followers, [--] engagements

"Holiday Mode Market BigTime Data Tiny Reaction HomeLoans HomeLoans"
Reddit Link 2025-12-19T22:23Z [--] followers, [--] engagements

"2025 Mortgage Rate YearEnd Review Where Theyve Been HomeLoans HomeLoans"
Reddit Link 2025-12-31T18:37Z [--] followers, [--] engagements

"👋 Welcome to r/HomeLoans Read This First + Introduce Yourself HomeLoans HomeLoans"
Reddit Link 2026-01-05T03:00Z [--] followers, [--] engagements

"January [----] - Mortgage Rate Quote Megathread HomeLoans HomeLoans"
Reddit Link 2026-01-05T19:00Z [--] followers, [--] engagements

"January [----] Mortgage Rate Quote Megathread Mortgage Mortgage"
Reddit Link 2026-01-07T03:50Z [--] followers, [--] engagements

"January [----] Mortgage Rate Quote Megathread HomeLoan HomeLoan"
Reddit Link 2026-01-07T03:50Z [--] followers, [--] engagements

"Jobs Report + Stock Losses = Rates Still Stuck in the Same Range HomeLoans HomeLoans"
Reddit Link 2025-11-21T22:36Z [--] followers, [--] engagements

"February [----] Mortgage Rate Quote Megathread HomeLoans HomeLoans"
Reddit Link 2026-02-01T16:21Z [--] followers, [--] engagements

"Trumps $200B Mortgage Bond Play. Will It Really Push Rates Down HomeLoans HomeLoans"
Reddit Link 2026-01-08T23:24Z [--] followers, [--] engagements

"Quick Take on the Fed Chair Stuff and What Actually Moved Rates HomeLoans HomeLoans"
Reddit Link 2026-02-07T00:55Z [--] followers, [--] engagements

"Everyone thinks housing prices are going to fall but that doesnt add up HomeLoans HomeLoans"
Reddit Link 2025-08-25T02:39Z [--] followers, [---] engagements

"Markets Waiting: Mtg Bonds Range-Bound Ahead of Key Data and Treasury Supply HomeLoans HomeLoans"
Reddit Link 2025-08-25T15:42Z [--] followers, [--] engagements

"January [----] Mortgage Rate Quote Megathread HomeLoans HomeLoans"
Reddit Link 2026-01-05T19:10Z [--] followers, [--] engagements

"Mortgage Rates Bumped Up This Week but Still Sitting Pretty Low HomeLoans HomeLoans"
Reddit Link 2026-01-16T22:00Z [--] followers, [--] engagements

"Rates Took a Hit But Apps Just Hit a 3Year High HomeLoans HomeLoans"
Reddit Link 2026-01-25T20:45Z [--] followers, [--] engagements

"BREAKING: Chipotle stock $CMG falls -11% after reporting another sharp drop in restaurant traffic. If Muricans are too poor to eat at Chipotle how can they afford to buy overpriced houses HomeLoans HomeLoans"
Reddit Link 2026-02-05T02:01Z [--] followers, [--] engagements

"r/AlliantCreditUnion redditrequest redditrequest"
Reddit Link 2026-02-07T15:38Z [--] followers, [--] engagements

"The principal issue in housing right is between prices and incomes. The typical value of a house acc to Zillow is now $365k. Meanwhile the US median income is only $85k acc to Census Bureau. Mortgage Mortgage"
Reddit Link 2026-02-08T14:50Z [--] followers, [--] engagements

"The principal issue in housing right is between prices and incomes. The typical value of a house acc to Zillow is now $365k. Meanwhile the US median income is only $85k acc to Census Bureau. HomeLoans HomeLoans"
Reddit Link 2026-02-08T14:50Z [--] followers, [--] engagements

"Why January inflation always looks hot HomeLoans HomeLoans"
Reddit Link 2026-02-12T16:07Z [--] followers, [--] engagements

"Trumps floating a 50-year mortgage term HomeLoans HomeLoans"
Reddit Link 2025-11-09T18:10Z [--] followers, [---] engagements

"Trumps $200B MBS Buying Plan: What It Means for Rates and Why Markets Went Wild HomeLoans HomeLoans"
Reddit Link 2026-01-09T17:25Z [--] followers, [--] engagements

"Mortgage Rates Back in the 5s Heres Why HomeLoans HomeLoans"
Reddit Link 2026-01-11T16:25Z [--] followers, [--] engagements

"Hi all quick Fed recap from Powells comments this afternoon HomeLoans HomeLoans"
Reddit Link 2026-01-28T20:55Z [--] followers, [--] engagements

"Housing Data Looks Great Until You Zoom Out HomeLoans HomeLoans"
Reddit Link 2026-02-01T16:26Z [--] followers, [--] engagements

"Powell Nukes December Rate Cut Hope and Sends Mortgage Rates Higher HomeLoans HomeLoans"
Reddit Link 2025-10-29T19:28Z [--] followers, [---] engagements

"Mortgage rates moved higher. after the Fed cut rates. Yes really. HomeLoans HomeLoans"
Reddit Link 2025-11-01T15:20Z [--] followers, [---] engagements

"Why Fed Cuts Dont Move Mortgage Rates (and Never Really Did) HomeLoans HomeLoans"
Reddit Link 2025-12-12T22:11Z [--] followers, [--] engagements

"Affordability Looks Rough And Builders Still Cant Move Inventory HomeLoans HomeLoans"
Reddit Link 2026-01-23T15:59Z [--] followers, [--] engagements

"Rates Didnt Care About Strong Jobs Data and Thats Why Theyre Near 3Year Lows HomeLoans HomeLoans"
Reddit Link 2026-02-14T17:05Z [--] followers, [--] engagements

"WN Coin Streamers be like"
Reddit Link 2023-12-11T05:23Z 74K followers, [---] engagements

"Antiquity Coin Mods Spamming Chat is annoying AF"
Reddit Link 2023-12-11T07:02Z 74K followers, [----] engagements

"Antiquity Coin Shill Bidding SCAM / Main mod bids up price on an item"
Reddit Link 2023-12-15T06:30Z 74K followers, [---] engagements

"Looking for Personalized Mortgage Advice Join Us Over at r/homeloans for Rates Tips and Answers If youre looking for tailored mortgage advice the latest rates or just a place to ask questions check out r/homeloans Whether you're a first-time buyer or refinancing were here to provide expert insights and straightforward answers. Join us to stay informed and feel confident in every step of the mortgage journey. See you over there Mortgage Mortgage"
Reddit Link 2024-11-09T17:01Z 74.1K followers, [--] engagements

"Looking for Personalized Mortgage Advice Join Us Over at r/homeloans for Rates Tips and Answers If youre looking for tailored mortgage advice the latest rates or just a place to ask questions check out (https://www.reddit.com/r/homeloans/) Whether you're a first-time buyer or refinancing were here to provide expert insights and straightforward answers. Join us to stay informed and feel confident in every step of the mortgage journey. See you over there HomeLoan HomeLoan"
Reddit Link 2024-11-09T17:06Z 74.1K followers, [--] engagements

"Mortgage Rate Quote Thread Hi everyone Im a federally licensed Mortgage Loan Officer with a Federal Savings Bank that lends in all [--] states offering some of the most competitive rates available online. With [--] years of mortgage lending experience Im here to help you navigate one of the most important financial decisions of your life. If youre curious about rates or exploring mortgage options just share a few details from the table below and Ill provide a quick personalized quote tailored to your needsfree of charge. Why work with me * Youre working directly with the source not a"
Reddit Link 2024-11-09T18:27Z 75.2K followers, [----] engagements

"Mortgage Rate Quote Thread Hi everyone Im a Mortgage Loan Officer with an FDIC-insured bank that competes online with some of the lowest rates available lending in all [--] states. Im here to provide you with a quick free rate quote for your mortgage needs With nearly [--] years of experience in the mortgage industry Im here to help you navigate the process and find the best possible mortgage solution for your needs. Simply fill out the relevant details from the table below and Ill respond with a personalized rate quote based on your scenario. If you have any questions or are unsure about your"
Reddit Link 2024-11-09T19:32Z 74.3K followers, [--] engagements

"Mortgage Rates' Holiday Break Ends With Next Week's Economic Data Mortgages Mortgages"
Reddit Link 2025-01-03T23:26Z 74.5K followers, [--] engagements

"Mortgage Rates' Holiday Break Ends With Next Week's Economic Data FirstTimeHomeBuyer FirstTimeHomeBuyer"
Reddit Link 2025-01-03T23:26Z 74.3K followers, [--] engagements

"Mortgage Rate Quote Thread Mortgage Mortgage"
Reddit Link 2025-01-04T16:09Z 74.3K followers, [--] engagements

"January 9th [----] Bonds on Light Duty Ahead of Friday's Jobs Report Unless something incredibly interesting happens in the next [--] hours this morning's commentary will likely be the end-of-day commentary as well. Due to the national day of mourning bonds will close early at 2pm ET and there are no scheduled economic reports from government sources. Traders are taking the half-day mentality seriously with 8am-9am volume less than half of yesterday's. As hoped there's been some gradual relief after the end of the week's auction cycle yesterday but considering the price it still hasn't been worth"
Reddit Link 2025-01-09T16:53Z 74.4K followers, [--] engagements

"Highest Mortgage Rates Since June For the second day in a row mortgage rates have moved higher at a modest to moderate pace. Unfortunately that's been a trend so far in [----] and it's compounded by the fact that rates were already close to their recent highs. The net effect is a move up to the highest levels since June for the average lender's top tier conventional 30yr fixed rate. That rate has been over 7% more often than not since October 29th and exclusively since December 19th. Are rates "headed to [--] percent" That's a figure that gets thrown around quite a bit in social media etc. but"
Reddit Link 2025-01-09T18:55Z 75.1K followers, [--] engagements

"Highest Mortgage Rates in [--] Months After Upbeat Jobs Report removed RealEstate RealEstate"
Reddit Link 2025-01-10T23:53Z 74.4K followers, [--] engagements

"Can Trump Actually Force Rates Lower This week was uneventful for mortgage rates with minimal movement. Rates are tied to bonds which respond to major economic reportssomething this week lacked. Next week could bring more action with key reports and the Feds rate decision on Wednesday. While the Fed wont cut rates the post-meeting press conference could impact markets. Trump recently claimed hed demand lower rates but can a president actually control them Directly no. Indirectly government policies can influence rates by affecting economic growth and Treasury issuance. For example increased"
Reddit Link 2025-01-24T23:46Z 75.2K followers, [--] engagements

"Bonds Brace for Tariff ImpactJust Like Last Time No one knows exactly how new tariffs will affect markets yet but traders are reacting anyway. This week tariffs overshadowed the Feds rate decision with markets treating them just like rate hikesbad for stocks and bonds. As a result stocks dropped while bond yields (aka rates) rose. The big question: Are tariffs good or bad Markets generally see them as bad at least in the short term due to potential inflationary pressure. However history shows they can also slow economic growth which could push rates lower in the long run. In [----] the"
Reddit Link 2025-02-01T00:15Z 75.2K followers, [--] engagements

"Despite the Headlines Rates Stay Surprisingly Calm Despite the Headlines Rates Stay Surprisingly Calm With all the recent news youd expect more market volatility but rates are holding steady driven mostly by economic data rather than headlines like tariffs. This weeks jobs report showed slightly weaker job creation but the unemployment rate dropped despite an increasing labor forcean unusual and upbeat sign. This has calmed fears of a recession sparked by rising unemployment last year. While inflation progress has helped rates move lower in recent weeks this jobs report suggests rates might"
Reddit Link 2025-02-08T11:55Z 75.1K followers, [--] engagements

"What Is an Escrow Account and How Does It Work If you have a mortgage theres a good chance you have an escrow accountbut what exactly is it and how does it work An escrow account is a separate account managed by your mortgage lender to cover property taxes and homeowners insurance on your behalf. Instead of paying these large expenses in lump sums once or twice a year you contribute a portion of them with your monthly mortgage payment. How It Works: [--]. Each Month: A portion of your mortgage payment goes into the escrow account. [--]. When Bills Are Due: Your lender uses the funds to pay your"
Reddit Link 2025-03-12T23:36Z 75.2K followers, [--] engagements

"Mortgage Rate Update Whats Going On Rate forecasts have shiftedmost expected 30-year rates to hit the 5s in [----] but now its looking like well be sticking with 6s for a while. At first markets reacted to the new administration with optimismstocks rallied and rates climbed on expectations of stronger growth. But lately stocks have dropped while rates kept rising hinting at a possible stagflation effect. Inflation has been under 3% since June [----] and the Fed has already cut rates by 1% since last September. But despite lower inflation theyve paused cuts the last two meetings. Right now 30-year"
Reddit Link 2025-03-20T16:09Z 75.2K followers, [--] engagements

"Mortgage Rate Quote Megathread Hi everyone Im a federally licensed Mortgage Loan Officer with a Credit Union that lends in all [--] states offering some of the most competitive rates available online. With [--] years of mortgage lending experience Im here to help you navigate one of the most important financial decisions of your life. If youre curious about rates or exploring mortgage options just share a few details from the table below and Ill provide a quick personalized quote tailored to your needsfree of charge. Why work with me * Youre workingdirectly with the source not a"
Reddit Link 2025-05-08T19:30Z [--] followers, [----] engagements

"Weekly Mortgage Rate Update Tariff Bounceback Inflation Eases and Rate Watch The big story this week A market bounce-back after months of tariff-related stress. US-China trade talks went smoothly last weekend and markets responded with relief. Stocks rallied hardDows up 3% S&P 5% and the NASDAQ nearly 7% from this time last week. Now when markets go risk-on like this it usually means bonds sell off which pushes mortgage rates higher. Thats exactly what we saw this week: 📈 30yr Fixed: up from 6.750% 6.875% 📈 15yr Fixed: now at 6.125% 📈 30yr FHA: around 6.500% The 10-year Treasury jumped"
Reddit Link 2025-05-16T19:07Z [--] followers, [--] engagements

"Only refinance if you can drop 1% is outdated advice Youll hear people say only refinance if you can drop your rate by at least 1%. It gets repeated a lot online but that advice really doesnt hold up when you do the math. The truth is: your monthly savings depend way more on your loan size than the size of the rate drop. A small rate drop on a large loan can save you more per month than a big drop on a small loan. Let me show you: Dropping 1% on a $200000 loan (from 7% to 6%) cuts the monthly payment by about $131 Dropping just 0.5% on a $600000 loan (from 7% to 6.5%) cuts it by around $199"
Reddit Link 2025-07-02T23:27Z [--] followers, [---] engagements

"Mortgage Rates Pause After Strong Jobs Report After a few weeks of falling mortgage rates things slowed down this week. A stronger-than-expected jobs report showed the economy is still doing well which makes it less likely the Fed will cut rates soon. Rates dropped slightly earlier in the week but Thursdays jobs data pushed them back up. The good news The increase was small and average mortgage rates are still near their lowest levels since October [----]. The next big moment for rates is July [--] when new inflation data comes out. That report could help decide whether rates go up or down from"
Reddit Link 2025-07-03T20:39Z [--] followers, [--] engagements

"Mortgage Rates Holding Steady For Now Rates jumped last week after strong economic data but have mostly leveled off since Tuesday. Not much happened this week due to a lack of major reports. That changes Tuesday with the Consumer Price Index (CPI). If inflation stays low markets may expect Fed rate cuts which could push mortgage rates down. If inflation is high rates could rise again. Bottom line: next week could bring big moves depending on the data. HomeLoans HomeLoans"
Reddit Link 2025-07-11T22:37Z [--] followers, [--] engagements

"Mortgage Rates: What Happened This Week Markets were focused on Tuesdays inflation report (CPI) which came in higher than last month but lower than expected. That was good news at firstmortgage rates dropped briefly. But once traders looked closer they saw signs that tariffs might be raising prices in some areas. That made the Fed less likely to cut rates soon and mortgage rates moved back up. Then on Wednesday news broke that Trump had talked about firing Fed Chair Powell. Even though he later said he wasnt serious the headlines caused a spike in bond market activity and pushed long-term"
Reddit Link 2025-07-19T15:01Z [--] followers, [--] engagements

"Mortgage Rates Dropped After a Messy Jobs Report Last week everyone was waiting for Fridays jobs reportand it didnt disappoint. The report showed fewer new jobs than expected but the real surprise came from big downward revisions to past months. That made the job market look much weaker than we thought. Why does that matter A slower job market makes investors more likely to buy bonds which helps push mortgage rates down. It also makes the Fed more likely to cut rates soon. Mortgage rates dont follow the Fed rate directly but they do react to what markets think the Fed will do. By Friday"
Reddit Link 2025-08-01T23:16Z [--] followers, [---] engagements

"Trigger Lead Ban Passes Senate What It Means for Mortgage Applicants Big news for anyone applying for a mortgage: the Senate just passed the Homebuyers Privacy Protection Act and its heading to President Trumps desk for signature. This bill targets trigger leads which happen when you apply for a mortgage and your credit inquiry gets sold to other lenders. That often leads to a flood of unsolicited calls and offers which can be confusing and frustrating. Once signed the law will take effect in six months and will stop credit bureaus from selling your info without permission. Industry groups"
Reddit Link 2025-08-04T15:18Z [--] followers, [--] engagements

"Mortgage Rates Are Looking Good August [--] [----] Rates are sitting at a four-month low which makes this a great time to lock in if youre closing soon. If rates drop again some lenders let you float down to the lower rate. If youre not ready yet keep an eye on the 10-year Treasury yield. If it falls below 4.20% rates could improve even more. Last weeks jobs report was weak and now theres an 84% chance the Fed will cut rates next month. If youre under contract or thinking about refinancing this could be your moment. Still shopping Talk to your lender about timing and strategy. I work for a credit"
Reddit Link 2025-08-04T15:27Z [--] followers, [--] engagements

"Mortgage Rates Are Holding SteadyBut Big Changes Could Be Coming Mortgage rates are currently at their lowest levels since October [----] thanks to last weeks jobs report. This week was quiet in the markets which helped keep rates stable. Even though some inflation data came in strong other signs pointed to a slowing economy. That helped balance things out and kept rates from rising. Day-to-day changes were small and the market stayed calm. Next week could be different. A major inflation report (CPI) and comments from Federal Reserve officials could cause rates to move. If inflation is higher"
Reddit Link 2025-08-09T01:55Z [--] followers, [--] engagements

"Mortgage Rates Just Hit a 10-Month Low But Dont Count on a Fed Cut to Help More Mortgage rates dropped this week after inflation data came in softer than expected. The Consumer Price Index (CPI) helped rates fall but the Producer Price Index (PPI) showed stronger inflation which pushed rates back up slightly. Even though markets expect the Fed to cut rates soon that doesnt guarantee mortgage rates will keep dropping. In fact when the Fed cut rates last year mortgage rates actually went up afterward. Bottom line: Rates are near their lowest in [--] months but future moves depend on upcoming jobs"
Reddit Link 2025-08-16T16:49Z [--] followers, [--] engagements

"Powells Speech Boosts Odds of September Rate CutBut Dont Assume Lower Mortgage Rates After Powells Jackson Hole speech markets now see an 80%+ chance of a Fed rate cut in September. Thats why mortgage rates just hit their lowest point of [----]. But heres the catch: a Fed cut doesnt guarantee lower mortgage rates. In fact after the Fed cut in Sept [----] mortgage ratesjumpeddays later. Why Mortgage rates move based on economic data and expectationsnot the Feds actual decision. If Octobers data shows strength (like it did last year) rates could rise again. So while Powells speech helped rates"
Reddit Link 2025-08-23T00:17Z [--] followers, [--] engagements

"Bank of America warns on mortgage rates and housing market impact Mortgage rates doubled in [----] jumping from 3% to over 7% as inflation spiked. While todays 67% rates feel high compared to the Covid-era lows theyre actually in line with historical averages since the 1970s. Bank of America reports that mortgage balances are now 32% higher than in [----] and delinquencies have been ticking up. Higher rates have cooled housing activity leaving many recent buyers stretched thin. Still economists say rising balances arent a reason to panic just yet. A drop below 6% could be enough to bring"
Reddit Link 2025-08-23T10:42Z [--] followers, [--] engagements

"Physician/Doctor Loan Program Who Qualifies and What to Know If you're a medical professional looking to buy or refinance a home my credit union offers a specialized loan program designed just for you that's available in all [--] states. Here's a quick breakdown of who qualifies and what the program includes: Who Qualifies * Medical Doctors (MD DO DPM) * Dentists (DDS DMD) * Veterinarians (DVM) * Teaching professionals with an MD or DO * Newly licensed residents or students starting employment within [--] days of closing Loan Types * Conforming Loans(up to standard limits) * No"
Reddit Link 2025-08-23T22:10Z [--] followers, [--] engagements

"Mortgage Bonds Where Weve Been Where Were Headed Over the past year the 30-Year UMBS (5.5%) has been all over the place. It hit a high above [---] last fall dropped below [--] in February and now its back around [------]. Rates were super high early this year (over 7%) but have come down a bit (closer to 6.6% now). The Feds recent comments made investors feel better so bond prices bounced back. Looking ahead most experts think rates will stay pretty high through 2025maybe between 6.5% and 6.7%. If the Fed cuts rates late next year bond prices could go up more. Things that could affect this: * Fed"
Reddit Link 2025-08-27T13:58Z [--] followers, [--] engagements

"First-Time Homebuyer Program ($0 Down No MI) If you're buying your first home and have solid credit Alliant Credit Union offers a standout program that helps you get in the door withno down paymentandno mortgage insurancea rare combo in todays market. Program Highlights * Up to 100% financingfor loan amounts up to**$650000**(requires 740+ credit score) * 97% financingavailable up to conforming loan limits (requires 720+ credit score) * No mortgage insurance required saves you hundreds per month * Primary residence only single-family homes and warrantable condos *"
Reddit Link 2025-08-28T13:50Z [--] followers, [--] engagements

"Non-Conforming Jumbo Home Loan Option No Mortgage Insurance Required If you're looking to buy a high-value home or refinance one I work at a credit union that offers jumbo loans with flexible options. These arenon-conforming loans meaning they go beyond standard loan limits. Loan Types Available * Fixed rates: 30- & 15-year * Adjustable rates: 5/6 7/6 10/6 ARMs * Available for purchases rate/term refinances and cash-out refinances Owner-Occupied Loans * Up to $1.25M: 90% LTV [---] credit score [--] months reserves * Up to $1.5M: 85% LTV [--] months reserves * Up to $2M: 80% LTV [--] months"
Reddit Link 2025-08-29T13:51Z [--] followers, [--] engagements

"Mortgage Rates Hit 11-Month Lows But Big Jobs Report out soon Rates quietly drifted lower all last week ending up at their best levels since October [----]. The moves were tiny day to day but they added up with top-tier 30yr fixed now around 6.50%. This calm stretch ties back to weaker jobs data earlier this month which shifted expectations for the Fed. But that calm likely wont last. Next week is packed with major reports capped by Fridays jobs numbers. Bottom line: we just had one of the friendliest weeks for rates in [----]. Next week could look very different depending on how the labor market"
Reddit Link 2025-08-29T23:58Z [--] followers, [--] engagements

"Mortgage Rates Just Took a Dive This week started with rates going up a bit but things flipped fast. By Wednesday rates were already hitting 11-month lows thanks to weaker job data. Then Fridays jobs report came in way below expectationsonly [-----] new jobs vs. the [-----] forecasted. Thats a big miss and shows the job market is slowing down. When job numbers are weak investors buy bonds. That pushes bond prices up and rates down. Mortgage rates followed suit with the biggest one-day drop in over a year. Top-tier 30-year fixed rates are now back to where they were in Fall [----]. **I can give you"
Reddit Link 2025-09-05T21:53Z [--] followers, [--] engagements

"Trump Signs Law to Stop Mortgage Spam Calls Good news for homebuyers: President Trump just signed theHomebuyers Privacy Protection Actinto law. Starting March [--] [----] credit bureaus wont be allowed to sell your info after you apply for a mortgage unless you give clear permission. This means fewer calls texts and emails from lenders you never contacted. The law targets trigger leads which happen when your credit report gets pulled and then sold to other mortgage companies. Now only your current lender bank or credit union can reach out unless you say otherwise. Mortgage pros have been pushing"
Reddit Link 2025-09-11T14:58Z [--] followers, [--] engagements

"Mortgage Interest Rate vs APR Whats the Difference Quick breakdown for anyone confused by these two terms (and yeah lenders throw them around like theyre the same thingtheyre not). Interest Rateis the cost you pay each year to borrow the money. Its just the percentage of the loan amount. Think of it as the base price. **APR (Annual Percentage Rate)*includes the interest rateplus*other costslike lender fees discount points and closing costs. Its the all-in number that gives you a better idea of what youre actually paying over time. Heres the key: * **Monthly payment is based on the"
Reddit Link 2025-09-24T14:51Z [--] followers, [--] engagements

"Mortgage Rate Quote Megathread Mortgage Mortgage"
Reddit Link 2025-10-01T13:24Z [--] followers, [--] engagements

"Mortgage Rate Quote Megathread HomeLoan HomeLoan"
Reddit Link 2025-10-01T13:26Z [--] followers, [--] engagements

"Mortgage Market Update: Oct [--] [----] HomeLoans HomeLoans"
Reddit Link 2025-10-02T01:47Z [--] followers, [--] engagements

"Why Is My Mortgage Payoff Higher Than My Principal Balance This is a super common question I get as a loan officer especially during refinances. The short answer:daily interest accrual. Heres how it works: * Your mortgage payment coversinterest from the previous month. So when you make your January payment you're actually paying the daily interest that accrued in December. * When youpay off a loan say you close on the 15th of the month your payoff includes: * Your remaining principal balance * + [--] days of accrued interest(from the 1st to the 15th) * If you'rerefinancing"
Reddit Link 2025-10-06T23:22Z [--] followers, [--] engagements

"KC Chiefs Travis Kelce doesn't agree with the call gifs gifs"
Reddit Link 2014-12-01T05:44Z 74.1K followers, [----] engagements

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